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Error From Settlement
Hi there everyone,I had a phone call from my bank the lloyds tsb stating that they had paid us back twice when we settled the loan (PPI). They said that we owe £1,430 !!! It has come as a bombshell as we are trying to get ourselves out of debt due to my illness of which I receive not a penny. I thought we had settled it…
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can i switch ppp on loan?
is it possible to switch my payment protection plan to another (cheaper)provider that i have on my personal bank loan?
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Yet another was PPI missold question
Hi all, after an opinion, so I'll be brief. Took out a 7 year bank loan under a year ago, but told the lady at the time that I wouldn't need it for that long as I was selling my house and would settle it then. She bundled single payment PPI anyway, muggins here didn't know that this was a bad idea and accepted it. Anyway…
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Black Horse Finance?!!
Hi there, hoping someone can help me! I have a hp agreement with Black Horse on my car, however whenever I have missed or made a late payment charges have been put on my account, I was just wondering whether these can be claimed back in the same way bank charges are being claimed? Any advice would be greatly appreciated,…
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What Can I Do About A Mortgage
I have a loan through the HFC bank,myself and fiance seperated for a little while, so, during that spell the only fiancial obstacle i had was this bank,they said i could restructure my loan and half the monthly payments,so i did,this was august 2005, i`ve never had a adverse credit history,so i wondered why i was unable to…
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Unsecured Personal Loan - Acceptance
Hi, I have been in UK for about 4years and I have not taken a loan before. Also only recently I have been added in electoral register, I am looking to borrrow about £15,000 for 2 years. 1) Out of the following banks which will i be accepted more likely? Moneyback Alliance and Leicester Liverpool Victoria AA loan Northern…
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Realising the capital on our house
Hello, My wife and I are both in our early sixties, our one child is married, with his own family and both he and his wife have well paid jobs. We own our detached house in the UK with no loans or debt owing to anyone. We both have pensions and surplus money and are still both working but intend to retire within the next…
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Help needed
I wonder if anyone can help. we bought a caravan in germany 4 yrs ago when we lived there now back in englad but as we had a german loan we transfer money to our german back account every month to pay for it with out fail. i had a phone call this morning to say two gentlemen have come to england to take the caravan back as…
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Dragging a £10000 cahoot flex loan on m & s card
Anyone have any ideas on this. I have about £10000 on cahoot flex loan but following martins article tryed to get this through egg money then on to m & s card 3.9%life of bal but having just recieved m & s card credit limit is only £3000.Anyone got some ideas on this because I would like to get out of cahoot flexy loan.
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Independant payment protection
2 weeks ago I saw Martin Lewis' report on being mis-sold payment protection with loans. On the show he mentioned a company that specialises in offering seperate payment protection for loans. I am looking at getting a new low rate loan soon to replace my hsbc 11.9% loan and wish to decrease the term from 60 months to…
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HELP natwest ppi
HI i went to natwest over two weeks ago to cancel ppi and they said no problem so i expected to see my payments go down by £55 per month as the credit agreement clearly states that the payments i make are made up of £230 main loan repayment £55 loan insurance repayment however when i recieved the letter they had only…
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Payment Protection Cancellation
I am 1 1/2 yrs into my personal loan. I stupidly got payment protection through HSBC. I am making a claim for 1 months redundancy. They cant find my details etc etc etc. I am looking to cancel my payment protection, can i do this if i have claimed? If I can, would I get a pro-rata'd amount off my amount? If I cancel the…
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What does this mean? Offer of a loan.
Hi, We have decided to consolidate all cc/s and cahoot loan to one loan with a lower apr, i know generally consolidation is not the way to go, but the apr's we were paying for all the above were astronomical. We have managed to secure a loan at 5.7% and have received the pre-contract information this morning. I have read…
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Loans and Equifax
Hi To cut a long story short I have an excellent credit report on equifax and one problem on experian. I find when I apply to equifax companies only for CC (marbles, barclays etc) I get one no problem. Does anyone know of loan company that uses equifax only? fj
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Stupidly incurred charges.
I've been a bit of a stupid boy. Moved house last year and forgot to inform my car finance company. I rang them last week to change my address and get a balance of my finance only to find out that I had missed a payment in august, therefor incurred a late payment charge and then loads more charges due to not replying to…
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HELP PLEASE - Is this legal?
In spite of having a DMP Loan Repayment in place for the last 2 and 1/2 years, Lloyds keep trying to take the original Loan Repayment Amount. It is Returned to Drawer unpaid and they then tack on £35.00 charge plus interest. This has been going on for several months. Is there anything I can do to stop this once and for…
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HALIFAX Harassment
We are setting up a debt management plan with Payplan. My wife is putting her two debts with Halifax on it, one loan and other credit card. Out of all our debtors, Halifax are by far the worst for harrasment. At least 5 calls a day, even though they know the time she is at home. An offer of payment wont stop the calls,…
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Debt in the UK
Hi Ok just after some advice for a friend, Can debt from the UK be chased in the US, talking about (25k) Many Thanks
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Payment Protection Cover Aggressive Selling
Just spoke to a major mortgage lender and loan provider and just felt I needed to vent my anger. Took my details and put me on hold for a short while. Came back to me and said that he was recommending me for the highest level of cover with the loan to which I told him I did not want it. He then basically started (in an…
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can't get a loan!!
Hi,I've been told about this site after trying all afternoon to get a bank loan unsuccessfuly. Basically.I am on longterm incapacity benefit and have a small penion of about £50 a week.I am 42.I own my own flat outright which is worth about £100,000 but I would like to buy a small house.I need a loan of between £20,000 and…
